The basis for any financial plan is a thorough understanding of a person or family's cash flow.  Simply put, those inflows (professional, security or rental income) vs. those outflows (housing, food, transportation, etc.). 

TCM looks at the client's last twelve months of expenses from all accounts the client transacts in; from credit cards, to checking accounts, savings accounts and loans. TCM then scrubs the data looking for duplicates, business expenses, and one time expenses that don't accurately represent the clients true outflows.  

Once the historical cash flow has been analyzed, a future projected budget for the following year an beyond can be estimate.  This forward liability development can then be used as the basis for rate of return targets for current and future assets, and their allocation.

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